Metropolitan Bank
Total assets
$230.2M
▼ -5.5% YoY
Deposits
$194.7M
▼ -4.6% YoY
Loans
$185.2M
▼ -0.1% YoY
Offices
4
MET FINANCIAL CORP
ROA (annualized)
0.64%
peers 1.24%
ROE (annualized)
4.96%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Metropolitan Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +4.4% | -9.9 pts |
| Deposit growth (YoY) | -4.6% | +4.0% | -8.5 pts |
| Loan growth (YoY) | -0.1% | +5.6% | -5.7 pts |
| ROA | 0.64% | 1.24% | -0.6 pts |
| ROE | 5.0% | 11.9% | -6.9 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
Profile
- Established
- 1983
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MET FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 250 E 18th St, Oakland, CA, 94606
- County
- Alameda
- Metro area
- San Francisco-Oakland-Berkeley, CA
- Offices
- 4
- FDIC cert #
- 25869
- RSSD ID
- 534466
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $230.2M | $194.7M | $185.2M | $30.2M | $746K | 0.64% | 3.85% | 2.31% |
| Q1 2026 | $231.8M | $196.2M | $180.6M | $30.2M | $349K | 0.60% | 3.83% | 2.88% |
| Q4 2025 | $234.2M | $195.8M | $182.7M | $29.9M | $1.5M | 0.64% | 3.80% | 2.85% |
| Q3 2025 | $238.2M | $200.2M | $187.2M | $29.5M | $1.1M | 0.62% | 3.72% | 2.12% |
| Q2 2025 | $243.7M | $204.0M | $185.4M | $29.2M | $716K | 0.59% | 3.67% | 1.43% |
| Q1 2025 | $243.2M | $200.9M | $194.8M | $28.9M | $353K | 0.59% | 3.62% | 1.72% |
| Q4 2024 | $236.7M | $194.6M | $192.1M | $28.6M | $1.8M | 0.77% | 3.53% | 1.77% |
| Q3 2024 | $239.4M | $198.1M | $192.7M | $27.6M | $797K | 0.46% | 3.49% | 1.63% |
Loan mix (Q2 2026): real estate $182.0M · commercial $5.6M · consumer $970K · securities $4.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 62.9% | 81th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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